I'll give you auto loans. > mortgages values Delinquency rates are lower than they were at 2000: https://fred.stlouisfed.org/series/DRSFRMACBS https://fred.st

I'll give you auto loans. > mortgages values Delinquency rates are lower than they were at 2000: https://fred.stlouisfed.org/series/DRSFRMACBS https://fred.stlouisfed.org/series/DRSFRMACBS This means that for those increasingly few home owners out there, they actually are living within their means. > home mortgages values How are you going to wield the personal responsibility battering ram against people then blame them for grasping one of the one levers available that yield actual material wealth. Rising home values + lower delinquency rates = good for them for growing their wealth You're wrong on this one. > subscription to cable You're really reaching for threads if you're going to bust someone's balls for wanting Netflix. > Paycheck to paycheck is not a function of 'too little money' - but materialism and consumerism and ego. Be kind, friend. There's no reason to hate the poor just because they're poor.